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                                    "value": "With the above requirements in mind, we invite you to respond to the questions below. \n1. Experience & Capability \n Briefly describe your organisation’s experience in delivering BACS payment solutions, particularly for public sector or complex multi‑service environments. \n2. Solution Overview \nPlease provide a high-level overview of your solution, including: \nKey BACS functionality supported  \nHow payments and Direct Debits are managed  \n3. Security & Controls How does your solution ensure secure and compliant operations, including: \nUser controls and audit  \nFraud prevention / validation  \nRelevant certifications  \n4. Integration & Operating Model How does your solution: \nIntegrate with other systems \n Support multiple business areas and banking relationships  \n5. Commercial & Market Insight  \nPlease provide: \nTypical pricing approach and cost drivers  \nAny key risks or challenges  \nAny alternative approaches the Council should consider  \nWhether you would be interested in bidding \nPlease can the above information be sent to thomaj11@caerphilly.gov.uk by COP on Monday 13 July  2026."
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                            "value": "The Council is exploring the market for BACS‑approved, cloud‑based solutions and is seeking feedback on how suppliers can support \nThe Council is seeking a BACS‑approved, cloud‑based (SaaS) BACS payment and Direct Debit processing solution to support its high‑volume, mission‑critical payment operations. The solution must enable secure access to BACS for both inbound and outbound transactions, including the receipt of payments via BACS Direct Credits, payroll processing, outbound supplier and beneficiary payments, and Direct Debit collections. \nThe BACS system must be implemented and operational by 17 July 2027. \nThe following describes the Council’s current assumptions and initial view of its needs. Suppliers are encouraged to challenge these assumptions and propose alternative approaches where appropriate. \nWe are interested in understanding how supplier solutions support: \nThe solution should support: \nCore Capabilities \nAll standard BACs payment types, including payroll, payments (Direct Credits), and Direct Debits \nSubmission of AUDDIS files \nSterling payments to and from UK bank accounts \n24/7 browser-based access, allowing multiple authorised users to operate concurrently \nReporting and audit access, including historical transaction and user activity data \nProcessing of Payments for 10 independent business areas/External Systems \nScalability and configurable  \nSecurity and Risk Management \nKey security and control features to include: \nMulti-factor authentication, including options for smartcard-based (allowing digital signing of payment files), and/or smartcard‑free access \nGranular user permissions and authorisation levels, supporting segregation of duties \nConfirmation of Payee and payer name verification, to reduce misdirected payments and fraud risk \nValidation of bank account numbers, sort codes and payment dates, including bank holiday awareness \nThese controls must be designed to support compliance, reduce failed payments and minimise operational risk. \nOperational Flexibility and Automation \nAs part of an ongoing review of how we work, we would like the potential to: \nAutomate Direct Debit processing \nManage Direct Debit mandates, schedules, and transaction types electronically \nConfigure payment approval workflows aligned with organisational governance requirements \nThis flexibility would support the continued use of manual processing where required, while providing the option to progress towards increased automation over time, informed by the outcomes of the review. \nArchitecture and Deployment \nDelivered as a Software as a Service (SaaS) solution \nAccessible from standard web browsers, preferably Microsoft Edge \nSupport multi‑bank operation, enabling bank‑agnostic payment processing and future flexibility \nAvailability and Reliability \nHigh system availability to ensure consistent access for users  \nReliable end‑to‑end performance across submission, validation, and payment management \nSupport and Implementation \nConfiguration and implementation support \nUser training (on‑site or remote) \nDocumentation, user guides and helpdesk support  \nThe high-level requirements set out above are not exhaustive. Please include any additional information you consider relevant or beneficial."
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